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1Rates effective as of 11/12/2019.  APY = Annual Percentage Yield. APR = Annual Percentage Rate. All rates subject to change without notice. Foreign transaction fees may apply.

Share (Savings) Accounts

Account Minimum Opening Deposit Dividend Rate APY
Primary Share Savings $25 0.05% 0.05%
breeze rewards Primary Share $25 0.05% 0.05%
Member's Choice $0 0.05% 0.05%
Sprout Savings $5* 0.05% 0.05%
Secondary Share $0 0.05% 0.05%
Christmas Club Share $0 0.05% 0.05%
Business Share Savings $25 0.05% 0.05%

Share Draft (Checking) AccountsLearn More

Account Dividend Rate APY
Rise High-Yield Checking  4.89% 5.00%
2.95% 3.00%

See full account details

Money MarketLearn More

Deposit Dividend Rate APY
$2,500 - $14,999.99 0.05% 0.05%
$15,000 - $49,999.99 0.10% 0.10%
$50,000+ 0.20% 0.20%
IRA Money Market 0.05% 0.05%

Minimum to open & earn dividends is $2,500.00.

Apex Business Money MarketLearn More

Deposit Dividend Rate APY
$2,500 - $24,999.99 0.50% 0.50%
$25,000 - $49,999.99 0.75% 0.75%
$50,000 - $99.999.99 1.24% 1.25%
$100,000 or more 1.49% 1.50%

 

Minimum to open & earn dividends is $2,500.00.

Fee Schedule

Share CertificatesLearn More

Term Dividend Rate APY
Rise Saver - 12 Months2 1.00% 1.00%
6 month1 0.75% 0.75%
12 months2 1.00% 1.00%
24 months3 1.24% 1.25%
36 months4 1.49% 1.50%
48 months4 1.73% 1.75%
60 months4 1.98% 2.00%

 

1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.

2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.

3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.

4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.

Fees may reduce earnings.

IRA CertificatesLearn More

Term Dividend Rate APY
6 month1 0.75% 0.75%
12 months2 1.00% 1.00%
24 months3 1.24% 1.25%
36 months4 1.49% 1.50%
48 months4 1.73% 1.75%
60 months4 1.98% 2.00%

 

1 Early withdrawal subject to 90 day dividend penalty, whether earned or not.

2 Early withdrawal subject to 180 day dividend penalty, whether earned or not.

3 Early withdrawal subject to 365 day dividend penalty, whether earned or not.

4 Early withdrawal subject to 545 day dividend penalty, whether earned or not.

Fees may reduce earnings.

Credit Cards (Fixed Rate)*Learn More

Card APR** Payment per $1,000
SunSelect Credit Card As low as 7.99%  n/a
SunSelect Secured Credit Card Currently 10.99% n/a
APEX Business Credit Card As low as 8.99% n/a

 

* Foreign transaction fees will apply.

** Not all applicants will qualify for the lowest rate.

Vehicle LoansLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 110% financing (vehicles < 5,000 miles) 1.75% $42.43
Up to 48 months Up to 110% financing (vehicles < 5,000 miles) 2.00% $21.70
Up to 60 months Up to 110% financing (vehicles < 5,000 miles) 2.50% $17.75
Up to 72 months Up to 100% financing (vehicles < 30,000 miles) 3.74% $15.53
Up to 84 months Up to 100% financing (vehicles < 30,000 miles) 4.24% $13.78

1st Time Auto Loans

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 100% financing (vehicles < 5,000 miles) 3.75% $43.31
Up to 48 months 100% financing (vehicles < 5,000 miles) 4.00% $22.58

 

Rates reflect relationship loan discount pricing & reflects Eco-Friendly qualified loan discount.

* Not all applicants will qualify for the lowest rate.

Snowmobiles / ATVs / Powered Watercraft (non-boat)Learn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 100% financing 3.74% $43.31
Up to 48 months Up to 100% financing 4.00% $22.58
Up to 60 months Up to 100% financing 5.00% $18.87

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

MotorcyclesLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 24 months Up to 110% financing 3.49% $43.20
Up to 60 months Up to 110% financing 3.99% $18.41

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

Boats / Campers / RVsLearn More

Terms Available Loan-to-Value APR as low as* Payment per $1,000
Up to 60 months Up to 100% financing 3.74% $18.30
Up to 84 months Up to 100% financing 4.74% $14.01
Up to 120 months Up to 100% financing 5.50% $10.85
Up to 144 months Up to 100% financing 6.00% $9.76
Up to 180 months Up to 100% financing 7.24% $9.12

 

Rates reflect relationship loan discount pricing.

* Not all applicants will qualify for the lowest rate.

Personal Loans

Type Maximum Amount Terms Available APR as low as* Payment per $1,000
Personal Loan1 $25,000 Up to 72 months 8.49% $17.77
Debt Consolidation Loan2 $25,0002 Up to 72 months 12.49% $19.81
CD Secured Loan3 n/a Up to 60 months 3.00% over the CD Dividend Rate $18.75
EasyCash Loan1 $7,500 Up to 12 months 6.49% $86.29
Overdraft Protection $5,000 Revolving 16.99% n/a
TAP Personal Line of Credit4 $7,500 Revolving 10.50% n/a

 

1 Rates reflect relationship loan discount pricing.

2 Maximum of 50% of non-Evergreen Credit Union debt may be consolidated.

3 APR and cost per $1,000 dependent on the rate and term of the term certificate used to secure the loan.

4 Current APR of Prime + 5% (APR is adjusted monthly and based on the Wall Street Journal Prime.  Max APR is 18%)

* Not all applicants will qualify for the lowest rate.

Home Equity Loans/LinesLearn More

Maximum Term / Type Loan-to-Value APR* Payment per $1,000
Up to 60 months 80% 3.99% $18.41
Up to 60 months 85% 4.49% $18.64
Up to 60 months 90% 4.74% $18.75
Up to 120 months 80% 4.99% $10.60
Up to 120 months 85% 5.49% $10.85
Up to 180 months 80% 5.49% $8.17
Home Equity Line of Credit5 85% loan-to-value 4.75% n/a

 

5 APR is adjusted monthly and based on the Wall Street Journal Prime. Max APR is 18%. Minimum floor rate = 3.25% APR. Property insurance is required.

* Not all applicants will qualify for the lowest rate.

Home Improvement LoansLearn More

Loan Type Maximum Financing APR as low as* Payment per $1,000
Home Improvement Loans6 $25,000, up to 96 months 7.24% $13.75

 

6 Rates reflect relationship loan discount pricing and Eco-Friendly qualified loan discount.

* Not all applicants will qualify for the lowest rate.